Women, and unmarried women in particular, may be at risk of a financially insecure retirement. This exploratory study examines how gender is related to the type and number of retirement income sources pre-retirees age 50-70 expect. The effects of marital status, household income, education, age, community size, and health, on 10 retirement sources were analyzed. Income was the variable most related to the total number of retirement income sources. The model was more predictive for women than men. Womenýs employment, marital status, and social role as primary caregiver all point to different knowledge of, and expectations for, their retirement income. Key Words: retirement, financial well-being, gender, financial planning

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